CORPORATE BANKING

Cash Management

Have your money work for you

Innovative, secure and efficient Collections, Payments, Liquidity Management and Channel solutions that drive efficiencies.

Our in-depth understanding of the African continent; its regulatory framework, transactional landscape, payments and settlements infrastructure guarantees you access award winning expertise and tailored cash management solutions to optimize your business operations. We understand how to navigate complexity, while delivering seamless Pan African solutions.

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Electronic Collections

Process bulk or multiple collections simultaneously through our intuitive, secure and cost-effective channels

Our receivables capabilities cater for normal debit orders or Electronic Funds Transfers (EFTs) and authenticated and non-authenticated collections – while accommodating the regulatory requirements of different countries.

Our reporting capability provides a view of successful, unsuccessful and disputed collections to simplify your reconciliation.

Electronic Payments

Pay your suppliers, creditors, staff and regulators efficiently and securely using our payments solutions

Our payment services can be tailored based on your business needs – such as processing payments only against available funds or against a credit facility – and to a bank account or a mobile phone using cash send and mobile wallet.

Our Electronic Payments capability also enables real-time clearing to support immediate payments obligations.

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Physical Cash

Mitigate the risk of holding large amounts of cash with various physical cash handling solutions

Manage your physical cash safely and efficiently with our comprehensive end-to-end physical cash handling solutions.

Our physical cash solutions include fully automated, manual, cash deposit ATM's, Branches and Kiosks to fulfil your unique cash handling requirements.

Card Solutions

Collect from your customers and manage your corporate spend with our market-leading card solutions

Our market-leading card acceptance solutions range from fixed, portable and integrated options, to mobile devices and ecommerce solutions – supporting all major card service providers including Master Card, Visa, Amex, UPI and Diners.

We also issue a wide range of card solutions to support your corporate spend requirements.

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Integrated Solutions

Process payment transactions seamlessly and securely direct from your line of business system

Our liquidity management structures will enable you to have sight of your cash position across your investment and current accounts to make the most efficient use of your available cash and other liquidity assets.Our integrated solutions offer supplier validation, seamless payment processing and automated reconciliation capabilities.

This offering unlocks various efficiencies such as eliminating ‘swivel-chairing’ between the line of business system and the banking channel and removing the administration and its associated risks created by the manual processing of transactions.

Third-Party Fund Management

Gain full visibility and control of your entire trust or third-party accounts

We offer a highly secure and intuitive Third-Party Fund Management (TPFM) solution that will allow you to open and close trust or third-party accounts, create and manage guarantees and process payments with ease. We also provide a comprehensive reporting capability to support your reconciliation and reporting needs.

Our TPFM solution caters for the requirements of Attorneys, Liquidators and deceased estates.

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Cross-border Payment

Cross-Border Payments

Make secure international and cross-border transactions with ease

Pay or receive funds seamlessly and securely through our International Banking solutions including Foreign Exchange, International Payments, Foreign Currency Accounts and Letters of Credit. We have a team of experts to provide you with advice and support throughout the journey with us.

Our payments solutions ensure a hassle-free travel experience. We provide foreign banknotes, an easy-to-use Cash Passport™ card and access to an Omnibus Travel Facility to make your trips that much easier.

Information & Reconciliation Services

Have full sight and control of your bank transactions

Validate beneficiary bank accounts, receive transaction notifications and reconcile with ease with our information and reconciliation services.

Gain control of your banking transactions with our Account Holder Verification, Notify me for Business, Deposit Identifier and Statement Delivery services.

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Liquidity Optimisation

Optimise your cash balances with our sweeping and notional pooling structures

Our liquidity management structures will enable you to have sight of your cash position across your investment and current accounts to make the most efficient use of your available cash and other liquidity assets.

Investments

Invest with solutions that give you competitive yields

We offer flexible, low-risk and high-yield investment solutions to meet your short-term investment needs.

We work with you to tailor competitively priced investment offerings to suit your requirements across options on tenure and access to funds.

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Working Capital

Working Capital

Align your cash flow cycles with our working capital management facilities

Our credit facilities are tailored to finance your working capital requirements with solutions to support you throughout the year or seasonally as required.

Balance Reporting

Manage your investment and current account structures with our online channel

Create and manage sweeping structures at your own discretion through our online channel.

Inform your cash management decision-making with comprehensive group-level or account-level notional pooling interest reporting.

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Latest insights

Leading-edge thinking from our team of financial and sector experts.

PODCAST

Understanding the current account deficit

Find out what the current account deficit is and how it impacts the exchange rate.​

Risk Management

Extra measures for volatile times

How to make international payments safely, on time and cost-efficiently

COMMERCIAL PROPERTY INSIGHTS

We see potential from every angle

Commercial Property Finance with a positive outlook

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